A letter from Dec 31, 2024

Dear Kristine, As you open this letter on December 31st, 2025, take a deep breath and reflect on the incredible journey you’ve been on this year. Let’s celebrate your achievements, growth, and the beautiful life you’ve created for yourself. Financial Freedom and Smart Choices You set a bold goal to save $10,000 and pay off all your debt—and you did it! Each month, you stayed committed to your budget, mastered the snowball method, and changed your spending habits to align with your priorities. The financial independence you’ve achieved has brought peace of mind and opened doors to even more exciting experiences. Health and Wellness Goals Crushed This year, you’ve truly taken care of your body and mind. You reached your goal weight of 125 lbs through consistent effort, planning meals, and staying active. Walking 10,000 steps daily became second nature, and yoga has become a cherished part of your routine. Drinking eight glasses of water every day? Check! Your healthier habits have made you feel vibrant, strong, and more connected to yourself. Career Growth and Recognition “Boss-*** *****” doesn’t even begin to cover it. You’ve worked hard, earned a well-deserved promotion, and even won that award you dreamed of! The recognition reflects not only your dedication but also your ability to find balance in a career you’re passionate about while keeping the rest of your life fulfilling and joyful. Relationships Flourished Your relationship with yourself has never been stronger. You’ve treated yourself with kindness and stayed in touch with your feelings. With your friends, you’ve nurtured connections through countless girls' nights, themed events, and meaningful conversations. You also spent intentional time with your boyfriend, planning your future together and building a bond that’s grown even deeper. And yes… congratulations on your engagement! That ring is just a symbol of the love, trust, and partnership you’ve built together this year. Creativity and Joy Creating more than you consumed was your mantra this year, and it paid off beautifully. Your coloring, painting, video games, puzzles, and drawing brought you joy and a sense of accomplishment. These hobbies reminded you of the simple, fulfilling pleasures that make life rich and meaningful. Adventures and Memories This year brought new adventures as you traveled to two new destinations, including that magical trip to NYC at Christmas. The subway station photos? Perfection. Whether it was exploring Thailand’s vibrant culture, exploring Disneyland/world or sitting sideline at an NFL game, these experiences were worth every penny and every moment of planning. Vanity Metrics Achieved Saved $10,000. Paid off all debt. Reached 125 lbs. Got a promotion. Won an award. Traveled to two new places. Walked 10,000 steps daily. Drank eight glasses of water daily. Started yoga. Kept up with hobbies like coloring, painting, video games, puzzles, and drawing. Got engaged. Looking Ahead As this year comes to a close, know that you have accomplished so much and laid the foundation for an even brighter future. You’ve proven that with intention, self-care, and a little grit, you can achieve anything you set your mind to. Keep dreaming, keep creating, and keep loving the life you’re building. With so much pride and love, Your 2025 Self P.S. Don’t forget to toast to yourself tonight. You deserve it.